How does Unison compare to Unlock?
Unlock offers a Home Equity Agreement (HEA), while Unison offers an Equity Sharing Agreement (ESA). One major difference is that Unlock uses a “share of total value” model. You receive cash up front, and Unlock takes a share of your home's entire value, paid at settlement.1
With Unison, the equity you built before the agreement is 100% yours. You only share in the change of your home's value, NOT the entire home's value. If your home appreciates during the agreement, we share in that growth. And if it loses value (after the initial restriction period), we share in the downside, too.
Another key difference is that Unlock's term runs for just 10 years. Unison's can last up to 30, making it an entirely different kind of agreement. As both providers allow you to settle early, the longer term gives you a longer timeline to sell your home or settle the agreement when it makes sense for you.
Unison also offers Remodeling Adjustments (also called a Capital Improvement Adjustment). Unlock has a similar feature, but their version only includes improvements that add $10,000 or more to your home's value, while smaller projects will not qualify.2
Explore the full comparison to understand the differences between equity sharing with Unison and Unlock.
Note: This comparison is based on publicly available information as of September 14, 2026 and is for informational purposes only. Verify current terms directly with each provider.
1 https://www.unlock.com/what-it-costs/, accessed September 9, 2026
2 https://www.unlock.com/app/uploads/Unlock-Product-Guide-August-2026-Version.pdf accessed September 9, 2026